Credit Score
The most significant factor. A higher score demonstrates lower risk to lenders.
Compare real-time auto refinance rates from top lenders. Lower your monthly payment or pay off your loan faster without impacting your credit score.
| Loan Type | 12-36 Months | 37-60 Months | 61-72 Months | 73-84 Months | 85-96 Months |
|---|---|---|---|---|---|
| New Auto Loan APR | 3.89% | 4.29% | 4.59% | 5.99% | 7.39% |
| Used Auto Loan APR | 4.79% | 5.29% | 5.39% | 6.98% | N/A |
Rates as of
Understanding your potential savings is the first step. Here's how to use our daily rate table to your advantage:
Your credit score directly impacts the column you fall into. Higher scores unlock the lowest possible rates.
Shorter terms (36–48 months) offer lower interest rates, while longer terms (60–72 months) provide lower monthly payments.
Lenders look at a few key details to determine the interest rate you qualify for.
The most significant factor. A higher score demonstrates lower risk to lenders.
Newer cars generally qualify for lower rates compared to older, higher-mileage vehicles.
The ratio of your requested loan amount to the value of your car impacts your rate.
Rates can vary slightly by state due to regional market conditions and regulations.
Refinancing isn't for everyone, but if any of these apply to you, it's worth checking your rates.
1. Your credit score has improved since you bought the car.
2. Market interest rates have dropped generally.
3. Your current monthly payment is stretching your budget.
4. You got your initial loan from the dealership.
There's no cost to check. Our matching process is free, takes under 2 minutes, and doesn't touch your credit score.
It takes less than 2 minutes. No SSN, no credit pull, no spam.
Just a better rate.